<PAGE>
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   ----------

                                    FORM 8-K

                                 CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

       DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): JANUARY 23, 2006

                                   ----------

                        COMMUNITY SHORES BANK CORPORATION
             (Exact name of registrant as specified in its charter)

<TABLE>
<S>                                <C>                    <C>
           MICHIGAN                    000-51166                38-3423227
(State or other jurisdiction       (Commission File            (IRS Employer
      of incorporation)                 Number)           Identification Number)
</TABLE>

<TABLE>
<S>                                                             <C>
     1030 W. NORTON AVENUE, MUSKEGON, MICHIGAN                    49441
     (Address of principal executive offices)                   (Zip Code)
</TABLE>

         Registrant's telephone number, including area code 231-780-1800

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ]  Written communications pursuant to Rule 425 under the Securities Act (17CFR
     230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))

<PAGE>

ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

     Earnings Release. On January 23, 2006, Community Shores Bank Corporation
issued a press release reporting earnings and other financial results for its
fourth quarter of 2005, which ended December 31, 2005. A copy of the press
release is attached as Exhibit 99.1.

     The information in this Current Report on Form 8-K, including Exhibit 99.1,
shall be considered "filed" for purposes of Section 18 of the Securities
Exchange Act of 1934 or otherwise subject to the liability of that section, nor
shall it be deemed incorporated by reference in any filing under the securities
Act of 1933.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

(c) Exhibits.

<TABLE>
<CAPTION>
Exhibit Number                             Description
--------------                             -----------
<S>              <C>
     99.1        Press release of Community Shores Bank Corporation reporting
                 earnings and other financial results for the fourth quarter of
                 2005
</TABLE>

<PAGE>

                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                        COMMUNITY SHORES BANK CORPORATION


                                        By: /s/ Tracey A. Welsh
                                            ------------------------------------
                                            Tracey A. Welsh
                                            Senior Vice President, Treasurer and
                                            Chief Financial Officer

Date: January 25, 2006

<PAGE>

                                  EXHIBIT INDEX

<TABLE>
<CAPTION>
Exhibit Number                             Description
--------------                             -----------
<S>              <C>
     99.1        Press release of Community Shores Bank Corporation reporting
                 earnings and other financial results for the fourth quarter of
                 2005
</TABLE>